4 Top Retweets for Mortgage Industry Developments

The mortgage landscape changes almost on a daily basis, people! And you don’t always have a newspaper on hand, nor can you haul a television with you everywhere you go. What do you need? You just need a Twitter update to get the goods on mortgage industry developments — because, since you’re here on the RTO Consultants website looking for help in finding the right rent-to-own home, you’re obviously interested in what’s going on with the real estate market and industry.

But Why Twitter? How Can Twitter Provide the Inside Look at Mortgage Industry Developments for Today?

It just so happens that we have some relevant retweets on what’s been happening in the news for mortgage industry developments, and the keyword is this — retweet. That means the news are circulating the Twittersphere, and not just anybody’s passing the information on. The very best real estate professionals today are doing it. They’re tweeting, retweeting and “favoriting” literally every day. That should tell you something.

But don’t take our word for it; check out these retweets on mortgage industry developments right now:

And That’s Only the Start When It Comes to Social Media Excellence in Real Estate

Twitter’s chock full of information from all the key real estate players you can expect, so it makes sense especially if you’re in the market for an RTO home. Want to know what’s trending? You get on Twitter. Get on the entirety that is social media, in fact. You can do it on your tablet or phone while riding a train or sitting at the park, too.

Take advantage of the technology. Because one thing’s for sure — you’ll be ahead of the game in terms of finding the best deals, the best properties, and the best people to work with for an industry that requires the most collaboration. Social media does it best.

The post 4 Top Retweets for Mortgage Industry Developments appeared first on Your Rent-to-Own Consultants.

The Current State of the RTO Home Industry: a Continuing Trend

Read about any of the reviews regarding the Ultimate Rent-to-Own Home Program, this list of rent-to-own homes, and an aggregate system for RTO properties, and you’ll know right away: the RTO home industry is still as popular as ever….

The News in Today’s RTO Home Industry Might Surprise You, Though: Wall Street’s Getting in on the Action

You heard correctly: even high-profile firms are seeing the value in the RTO home industry. Rent-to-own makes more than the mark. It’s seeking to revolutionize the housing market regarding credit repair thanks to recent developments on one of the most prolific rent-to-own companies — aside from the prestigious organization the H.O.P.E. Program — a “little” corporation known as the Home Partners of America (HPA).

But before we get to the goods on what’s going on in this RTO home industry with respect to the HPA, let’s understand exactly what rent-to-own is all about:rto home industry-1

What Is Rent-to-Own? And Why Would You Want This Option?

Forget the negativity of an option that is rent-to-own and realize that there’s a direct benefit not just for the homeowner, but the home buyer here. All sorts of rent-to-own programs existed through small operators became the rage back in the ’90s as a way to provide an alternative to consumers who may not have a whole lot of cash saved up for a sizable down payment on a mortgage. Understandable. However, almost as quickly as the RTO home industry started seeing some gains, the trend declined due to easy lending choices with no money down — which, as you know, most definitely contributed to the unfortunate housing crash in 2008!

Essentially, the RTO home industry was all about negotiating a deal between the homeowner and the potential home buyer to rent the home for a specific length of time with an option to buy later down the road as credit improves and the home renter saves up enough money for a possible down payment. Sounds good, obviously, but there were cons to the RTO home industry, such as a higher rent and purchase price the longer they rent vs. the fact that those potential home buyers get to lock in that home at a price (which could be a negative, too) and try out the home and neighborhood to see if it’s a great fit for the individual or family. In a sense, the RTO home industry provided something rarely seen in the housing market: flexibility.

rto home industry-2Enter: the Home Partners of America

Given the fact that lenders nowadays are setting the bar so high, what with credit scores being the make-or-break deal in securing that mortgage loan, it’s now a sure thing: the RTO home industry’s rising again, and for good reason. The HPA sought to target this market that hadn’t seen any development for years since the crash, and it looks as if they’ve nailed a chance to stimulate the industry and get people into homes without issues of foreclosure or decline.

This is how the HPA operates — you’ve got a consumer looking for a home (obviously, a rent-to-own home) and collaborates with a real estate agent. Of course, the HPA has literally an empire of approved communities in suburban locations with solid school systems for families; additionally, prrices range from $100K to $725K, so you’re looking at an RTO home industry that blankets the entire range of possibilities for home buying.

What happens, of course, is the HPA then actually purchases the home from the seller, leasing that home to the prospective consumer. The deal is the consumer becomes a home renter with the actual right to purchase the home after a set period of time. There is an expectation that the home renter has to work on repairing credit for approval of a home loan as well as saving for that down payment, but here’s the catch: the longer that home renter is renting on the property, the more they may have to pay just to buy the house. Interesting trade-off. But with the right rent-to-own resources, and education on the RTO home industry, while it may benefit the homeowner, you’re looking at a great option for the home buyer!

Are There Any Examples We Can See on the RTO Home Industry Right Now?

If you were to go on the HPA website, you might see a home shown at a listing price of $449,975 in Chula Vista, CA, with the option for a potential home buyer to purchase at a price of $472,035 just after one year. Now after five years of renting, the home buyer would be looking at a $573,762 purchase price — a 28% markup from the original listing.

Sounds bad, yes — but when you’re informed of the stipulations beforehand and you know what to expect, without rto home industry-3even worrying about whether or not a bank will approve a home loan for you — for many families out there, that’s a great deal! Security. Insurance. Assurance. Those are now the main assets in this housing market, thanks to the RTO home industry.

How Does That Compare to Home Renting and Mortgage Payment Averages, Though?

Given the rising prices in our market at the moment, it’s not far off the apple tree — but make no mistake as those potential home buyers will be paying a premium due to a rent-to-own. Your typical 30-year conventional mortgage for the exact same listing in the example would go for just $1.8K. Now with an average single-family rental payment of $2.270K/month in San Diego, this is what the prospective homeowner’s paying extra for — the lock-in for buying that home without any chance of it falling through. Something many people see in the real estate market, for good reason (we, after all, don’t want to see another housing crash, right?).

A sparkling credit score, and a good down payment: that’s typically what we end up seeing in a traditional mortgage, something that doesn’t always work out for the average consumer. So, naturally, a chance to repair credit while living in the home, plus potentially getting the loan at the lease option to buy with zero down, just might be worth the extra price in rent, don’t you think? And here’s an even better benefit for that home renter: the tenant isn’t required to buy!

Interest in the RTO Home Industry Is Still Steadily Growing….

The HPA isn’t the only organization seeing a profit in the RTO home industry. Home LPC in NYC and Premium Point Investments have also thrown their financial hats in to see if there’s a profit to make in buying these properties and renting them out with a lease option to buy. More and more homes are being bought out for the purpose of rent-to-own; and due to the flexibility not only for the seller/company as well as the renter/buyer, it’s quite hard to see any disadvantage.

You just have to remember one important point when it comes to the RTO home industry — you need to know where to look, what to do, how to do it, and someone to help you do it all the way through. Something that may actually come a little easier for a prospective homeowner than saving a ton of money for a down payment and getting that mortgage approval….

The post The Current State of the RTO Home Industry: a Continuing Trend appeared first on RentToOwnReviews.

What Do Internet Legal Plans Have to Do With Real Estate?

Internet legal plans could very well revolutionize the entire legal market from top to bottom while saving income and boosting the real estate industry as a whole. How? Consider something like Netflix, for instance — a service where you can pay for a monthly service to watch as many movies as you’d like from the comfort of your own home without ever leaving the house. Without ever having to worry about late fees. There would be no need to stress over broken DVDs. Or even clutter inside your home.

That’s Sort of What These Internet Legal Plans Are!Internet Legal Plans-1

Such nifty packages, these internet legal plans. Essentially, what you’re looking at is a package designed to fulfill every legal need. You get access to this for a low monthly cost, too. Instead of daily dealing with heavy retainers and hunting and consulting with lawyers the moment you need that legal representation (which for many may be too little, too late, especially when involving criminal justice!), you pay this monthly fee, very much like an insurance policy, and you get access to that local attorney serving your needs. And what does this have to do with real estate? Plenty.

Real Estate Is All About Negotation, Contracts, Consultation

You’ve heard it before that you would need a real estate attorney by your side. Why not have one you can contact immediately through the Internet Legal Plans? It’s a timeless resource, something worthy of checking out — whether you’re a real estate investor, prospective home buyer, home renter, or even someone considering a rent-to-own home. You may even be a landlord looking for assistance on tenant issues, and you just might be wondering what kind of guidelines you need to consider when selling your home.

Whatever the case may be, Internet Legal Plans certainly streamlines the issue of finding that lawyer without any headaches.

3 Reasons Why You Need a Rent-to-Own Consultant in the United States

This is innovation at its best, and we all know that the American real estate market needs exactly that, especially when it involves the rent-to-own inventory out there. They’re like diamonds: hard to find, and tricky to hold onto (especially when robbers chase you for them!). Moreover, U.S. rent-to-own homes largely benefit the homeowner/landlord for the most part; but if you play the cards right, you can actually work the payments as well as your official money down for the mortgage to your benefit.

How? Oh, sure — pay an arm and a leg for a realtor to advise you, or shell out a retainer for the quality attorney to represent you in such a contract agreement. That works. Thankfully, there’s an alternative:

Rent-to-Own Consultant Can Do the Job at a Low Cost

rent to own consultants screenshot rent-to-own consultantThey’re the “Rent-to-Own Consultants,” a service unlike anything you’ve probably ever seen. In line with such great United States resources like Assisting Renters and the Ultimate Rent-to-Own Home Program, the Rent-to-Own Consultants deliver in a unique way:

And That’s Not Even the Best Part….

This entire process can go for as long as five years, but here’s the beauty about having a rent-to-own consultant on your side in the United States real estate market…. This particular service will only cost you just under $50!

A one-time fee. All of that time and effort. That rent-to-own consultant will do all of the sweat equity for you — finding the home, talking to the landlord, working with you on your credit, and ensuring you successfully sign on the dotted line for home ownership.

I’ll say this: if we could actually give ratings, this one would be a straight “5,” just like how Rent-to-Own Reviews did! SIGN UP FOR YOUR OWN CONSULTANT RIGHT NOW WITH YOUR NAME, EMAIL, AND U.S. PHONE NUMBER.

Check them out at RTO Reviews for more info about what they can do for you right now.

Top 7 Google+ Posts on Rent-to-Own and Home Renting

It doesn’t take a real estate agent or guru to tell you that social media’s where it’s at when it comes to the market itself: rent-to-own and home renting. You can find a home in the middle of the Sahara Desert (hypothetically speaking, of course) as long as you have a smartphone capable of Facebook mobile and Google+! That’s no joke. Still, though, you have to actually search for those posts on rent-to-own and home renting, and here at the Complete Real Estate Site, we’re pleased to say we’ve done the research for you:

Here Are the Top Google+ Posts Regarding Rent-to-Own and Home Renting

And you can’t get more updated than this. You read it here first, people. You want the best possible renting resources when it comes to rent-to-own and home renting — everything from rent-to-own consultancy, to identity theft protection, to free rent-to-own property listings, to even credit repair? Scan below, click the links, and reap the benefits:

Overwhelming? Take your time on it. Absorb. Acquire the information. And breathe.

Google+ Has You Covered

Rent-to-own and home renting never looked this good, making it easy to locate those resources online. Follow the links! You’ve got nothing to lose. From these links, you’ll tap into the best advantages any home rent-to-own and home renting hopeful could ever wish for.

Another ULTIMATE Rent-to-Own Home Program: Listen Up!

Not to confuse you too much, as we’ve already heard so much about this one Ultimate Rent-to-Own Home Program all over cyberspace, getting people like yourselves access to everything from a free list of rent-to-own homes, to consultations, credit repair, identity theft protection and legal assistance. But did you know that there’s yet another ultimate rent-to-own home program supported by an A-lister with the BBB (the H.O.P.E. Program) out there emphasizing the consultation side? Pretty sweet.

And for Good Reason: This Ultimate Rent-to-Own Home Program Is All About the Negotiations. Education. Instruction.

Check out RenttoOwnConsultants.com. The Rent-to-Own Consultants do exactly that: they mediate forrent to own listening you. The thing about rent-to-owns is that you’re often all on your own, negotiating with a rent-to-own landlord — who may be nothing more than another homeowner knowing absolutely nothing about contractual law and real estate guidelines — to set up the most equitable deal.

In all honesty, that’s largely why some people might even frown on rent-to-own agreements. The purpose of a rent-to-own is to benefit the home seller, in all honesty, going for a larger rent payment in exchange for handing over the title when the time comes for the tenant to purchase the property and become the new homeowner.

People don’t understand, though, that this does, in fact, benefit the prospective home renter as well. It’s convenient. Flexible. Something the Ultimate Rent-to-Own Home Program supports tremendously. The lease option to purchase gives the occupant a lot of wiggle room to determine whether or not he or she will stick around in time for the rent payments to accumulate, resulting in a lower down payment to purchase the property. Of course, when the rent-to-own agreement is about to be drafted, both the home seller and home renter agree on a final down payment purchase price dependent on the amount of rent above the monthly market value, plus the mortgage payment after closing costs over what’s left on the total price.

Sounds like a lot of work? That’s because it is. And that’s where the Rent-to-Own Consultants come in.

More Help Always Helps, Doesn’t It?

The Ultimate Rent-to-Own Home Program — the real one at least — will take you really far as it is. If you don’t believe me, check out review after review after review yourself! But just in case you want a little more assistance, though, these additional consultants can do the job better than anybody else. Give it a shot. You never know: you just might get a pretty good house, credit improvement, and a low down payment, and easy mortgage payments — all because your ears were to the grindstone here at the Complete Real Estate Site. Where you learn everything you need to know.

Check them out at RTO Reviews for more info about what they can do for you right now.

AssistingRenters.com: Benefiting the Home Renter in Every Way

Crap. Just got a flat tire, and we have only a few flares to work with. I suppose we could march ourselves to the nearest garage with the tire in the hopes that a greaser’s going to get his hands dirty, fix the darn thing, and then drive us back to the vehicle, so we can get on our way! Sure thing. It’ll only take a few hours, and we just missed our sister’s wedding…. Dagnabit.

What If the Garage Was But a Click Away, and Even Better…. It Was Free to Get Service?

Are you serious? Yes. I am indeed.assistingrenters-flat tire

Sure, this is just a metaphor for something bigger, and it’s not necessarily about roadside assistance (although it could be, and I’ll explain that later!). Rather, the idea of getting that flat tire and then having it fixed immediately can’t be better explained than visiting a site like AssistingRenters.com. A site dedicated to, well, assisting renters. With everything!

Everything from home improvement assistance and ideas to even identity theft. Or maybe you’re looking at legal guidance when dealing with landlords, contracts, and other issues? Yep, AssistingRenters.com even provides some resources for that, plus continually updated blog content for your perusal to clue you in on industry trends, like a watchdog making sure you’re in the know about what to expect in the market.

Why Does All This Matter to the Home Renter, Though? Is AssistingRenters.com That Essential?

When you think about it, you couldn’t ask for anything better. Credit repair directly affects the prospect of leasing a rent-to-own home, for instance. With credit improvement comes the issue of identity theft. And, for sure, you want information about home improvement measures as well as guidance about what you can and can’t do regarding your landlord. Disputes, contracts, issues, problems with the law: home renters face these factors on a daily basis sometimes!

So what’s the confusion? It’s pretty obvious….

It’s Free. It’s Easy. It’s Possible.

It’s possible that you can be a home renter without the hassle thanks to this little site. Like the mom-and-pop garage fixing your car every day. Thanks for the hand, pops!

And then maybe one day you could opt for a rent-to-own…. But that’s a completely different story for another day out on the road (Yes, AssistingRenters.com even provides resources for roadside assistance!).

Check them out at RTO Reviews for more info about what they can do for you right now.

The Ultimate Benefit of the Ultimate Rent to Own Home Program

Ever come across a gem in a desert before? Not many times. Of course, us metropolitan dwellers don’t see many grains of sand with what we do, but just in case we’re trying to find a way to rebuild our credit while trying to land a mortgage for a new home, sometimes the time and effort can drown us in the dry heat of our very own metaphorical desert! We’d very much like the convenience of doing both — credit repair and lender/mortgage approval, so to speak. Only in a mirage could that happen, right?

Wrong. Enter the Ultimate Rent to Own Home Program.rent to own desert

Ever heard of a rent-to-own home? Well, most definitely a certain well-known property values site has, but that’s just the start of it…. It’s that wonderful, flexible and convenient method of getting the home you want, building your credit through multiple avenues — including your rent payments on your credit report — and then buying the property later down the road for potentially zero down and a low monthly mortgage payment, something this Ultimate Rent to Own Home Program apparently does very well.

The big problem, though, was that desert. Rent-to-own homes are those gems in the wasteland. They’re hard to find. Finding a lender who’ll have a good list of rent-to-own homes is just as hard. However, thanks to the Ultimate Rent to Own Home Program, the endeavor’s simplified to great effect, keying you into resources necessary not only to find that perfect rent-to-own home, but to obtain legal assistance, credit repair, and a bunch of other great advantages every home renter/soon-to-be homeowner could grab hold of. Even access to resources regarding home improvement is available!

Give the Program a Shot, and That’s Why You’re Getting the Scoop Here

The best part about the real estate market is that it’s all about guidance and assistance, as this rent-to-own review site states (not coincidentally listing the Ultimate Rent to Own Home Program, I might add!). The Complete Real Estate Site is all about that: guidance and assistance. Home ownership is the ultimate goal — not just for the individual, but for the industry itself. The Ultimate Rent to Own Home Program is a vital portion of that goal, so I wouldn’t hesitate to enroll and see for yourself just how easy it is to find that ideal dwelling you can call…. Home.

Check them out at RTO Reviews for more info about what they can do for you right now.

Who Gets to Fix the Faucet: Tenant or Landlord?

This can be as confusing as the Edward Nygma with the riddles, and if I were Batman, I’d get some ground rules down on what guidelines to follow in spite of the many situations you could be involved in with a landlord, property management company, or apartment complex. Get some rental tips together and make sure you’re prepared — because Batman’s always prepared.

How a Superhero Would Get a Faucet Fixedreal estate Batman

Basic rule of thumb: your landlord has one expectation to fulfill: a habitable environment for the tenant (in this case Batman, who has a bat cave with minimal plumbing, it seems). A habitable environment is defined specifically as a dwelling providing adequate heat, water and electricity. It has to be safe. So in the case of a leaky faucet, you then ask the ultimate question: will the tenant or landlord fix the problem? Good question….

Batman would just do it on his own, but here’s the thing: by law, landlords are required to repair or replace items that have been damaged through normal wear and tear. That simply means if the faucet started leaking over time, chances are the question of tenant or landlord is answered by the latter. If the tenant broke the faucet, however — tenant or landlord? You guessed it: tenant.

The Question of Tenant or Landlord Not Entirely Black or White

You can tell automatically that the question of tenant or landlord isn’t necessarily an easy question to answer, because any situation regardless of real estate trends for 2015 — debatable even in a court of law — can have differing viewpoints. Perspectives. Opinions. It can get pretty confusing.

This is why, in fact, it’s important that you have this all set up, written out, and agreed upon immediately even before you sign a lease. That way whenever anyone asks the question of tenant or landlord as far as repair and replacement are concerned, the answer’s pretty easy — as easy as Batman beating the pulp out of the Joker.

Yes, Your Landlord Is an Actual Human Being and Not the Terminator

It’s sad that everyone thinks of a landlord as that cybernetic killer, preying on the innocent and taking your money. Your landlord is not the Terminator, people. Arnold Schwarzenegger would retch at the thought. In truth, your landlord’s probably one of the most harmless mammals known to man, and if you really get to know your landlord well, that mammal might actually be adorable! (Not really)

The Unfortunate Stigma of Your Landlord

This does contribute to the negative connotation simply because we don’t like to address concerns with landlords. Your landlord just might evict you — shudder at the thought! Bear this in mind, please: if it real estate terminatorwasn’t for you, the tenant, your landlord wouldn’t have a shred of revenue come in! Your landlord needs you.

Additionally, by law, your landlord has a responsibility to you — to the well-being of the dwelling as far as maintenance and safety are concerned — which means his or her first priority is to ensure that all your needs are met. Rental tips for the up-and-coming home renter never saw this coming as positive as it is: you can talk to your landlord about your problems, and he or she will address them immediately.

Just be upfront and honest. If you’re having trouble paying this month’s rent, bring it up immediately. Don’t hide. Don’t give your landlord a reason to start banging on your door.

If you’re getting really sick of hearing that faucet drip, be honest: let your landlord know. It’s his/her job to get it fixed. By law, it’s a requirement.

Communication Is the Key to Success as a First-Time Renter

I’d venture to say that your landlord probably appreciates it. Honesty, openness, laid-back. The reverse is the same for landlords far and wide. They won’t normal tenants on their books, people. Not crazy people. So when they’re facing the decision of signing a rental agreement for a rent-to-own home with the H.O.P.E. Program and a particular tenant, it’s clear that the decision has to be a sound one.

You ensure your landlord’s confidence in the best way — by always being a tremendous communicator. Even during Judgment Day.